High-Yield Savings FAQs

High-Yield Savings Account

How much do I need to open this account?
The minimum opening deposit for a High-Yield Savings Account is $100.

What is the interest rate for this account?
You can earn up to 3.05% APY* with a High-Yield Savings Account.

Our interest rates are variable and do change periodically; if you’d like to confirm rates before opening an account, call us toll-free at 855.999.BANK (2265).

What kinds of fees are associated with this account?
Find out on the Facts and Fees page for our High-Yield Savings Account.

What do I need to open this account online?
It’s good to have a few things handy so you can open your High-Yield Savings Account easily and quickly.

  • Your Social Security Number or Individual Tax Identification Number (ITIN)
  • A U.S. government-issued photo ID (like a driver’s license, passport, state, or military ID)
  • A U.S. checking or savings account to fund your new account
  • An active email address

How do I add money to my account?
You can add money a few ways:

  • Transfer money between your different AAA accounts
  • Transfer money between your AAA account and your non-AAA banking accounts
  • Use our mobile app to deposit checks
  • Set up direct deposit for your paychecks
  • Add money via wire transfer

What’s the routing number?
Our routing number is 072471968.

Debit Cards

Does this account include an ATM card?
Yes. You’ll get a AAA ATM card when you open a High-Yield Savings Account.

How can I use my AAA ATM card?
You can use the AAA ATM card a few different ways:

  • Make cash withdrawals from your checking or savings account from ATMs.
  • Monitor your balance and transfer funds between your checking and savings accounts at most ATMs.

Is there a daily ATM withdrawal limit for the AAA ATM card?
Yes. The daily limit for ATM withdrawals is $800.


How secure is my online account?
By banking through AAA, your account is safe—it’s our top priority. We use state-of-the-art technology to ensure the safety of your account information 24/7.

Is your bank FDIC insured?
Yes. Our bank is FDIC insured under our legal name, Auto Club Trust, FSB.

Do I have to be a AAA member to open an account?
Being a AAA member is not required to open an account with us. If you are not a AAA member but would like to become one, please call 800-AAA-6424.

*Annual Percentage Yield (APY) is valid as of 3/29/2023. This offer applies to personal accounts only. Fees could reduce the earnings on the account. Rates may change at any time without prior notice, before or after the account is opened. Minimum balance is $100. You may make up to six withdrawals from your Online Savings Account per statement cycle, including preauthorized, automatic and telephone transfers.